PFD Example Letter

[politikat]

Hey everyone, I just wanted to let you all know that the PFD really works! I was a little skeptical that my CA would actually follow through and remove the collection, but I just checked my EQ report, and ITS GONE! My score went from a 629 to a 645, and I'm inspired to keep plugging away at removing the rest of my derogs! I sent the letter two months ago, after reading this thread. I feel really grateful! Thanks Tuscani and co! Politikat

[Anonymous]

good for you

[Tuscani]

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politikat wrote:
Hey everyone, I just wanted to let you all know that the PFD really works! I was a little skeptical that my CA would actually follow through and remove the collection, but I just checked my EQ report, and ITS GONE! My score went from a 629 to a 645, and I'm inspired to keep plugging away at removing the rest of my derogs! I sent the letter two months ago, after reading this thread. I feel really grateful! Thanks Tuscani and co! Politikat

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Super!

Please share your success in the "Success Stories" thread!

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=27512

[Anonymous]

Hey, guys I've been doing a lot of reading of threads trying to really understand how to  approach to my own credit issue. I have 12 accounts that are delenqent (baddies). totaling no more than $3,800.00. all three agency scores are in the Mid to lower 500. No Credit Cards(I have none) all are Medical,old wireless phone, and cabel, water bills and a charge off of $700.00 for a repo 4 years ago.  I've received a wonderful bonus this year and want to pay off all deliquent dept in full. I know if paid in full these will still stay on my cr for 7 - 7.5years. If paid in full will this increase my score, or should I make arrangements to establish a positive payment history even if it's short term? Please advise as to which approach would benifit me the most. I've had bad credit since the age of 22, I'm now 38 and have made advancement with my company but imbarrased about my credit situation. Any advise would be greatly appreciated.

[Anonymous]

This is my first post.  I'm in NY trying to use PFD in order to get some collections removed from my CR, and would appreciate some feedback.

1) AFNI, OC is VZ.  the letter from them dated 11/6/07 doesn't include anything but the original creditor name and my former phone number, but I called the CRAs and they said the DOFD is 6/06.  I have included the PFD below as I am willing to pay in full ($123.33).  Should I try DV letter for them? I know Afni comes up on these boards a bit and they're tough, i just want the fastest way to resolve.

2) RJM collections.  OC is VS, DOFD is 6/01, so this will age off in June. trying to get it off earlier. Offering $100, debt is $647. 

3) Also got a letter from CBCS, not showing on my CR yet, but they offered me 60% to pay off a vz bill, also dating from '01 (by my estimation this should age off this june too). should i try for a pfd, even though it hasn't shown up yet, or do a DV?

#2 & #3 are from credit problems in college, thought they were all taken care of but want to be proactive about cleaning up my credit this year.   Any feedback on the letters below/tactics would be greatly appreciated.

AFNI Letter:

This letter is to inform you that the validity of this debt is disputed. As some of my papers were lost in subsequent moves, I do not some of the previous bills, and notes, relating to the account above.  However, I do recall disputing with Verizon the charges, dates and level of service they provided to my residence while I had their service.  ?xml:namespace prefix = o ns = "urn:schemas-microsoft-comfficeffice" />

In the spirit of compromise, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.

If you agree to the terms and accept this agreement, certified funds for the settlement amount of one hundred and twenty-three dollars and thirty-three cents ($123.33) will be sent to AFNI, Inc in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.

AFNI, Inc agrees to delete ALL information... (standard copy - two paragraphs - from tuscani's example PFD letter) 

Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will pursue the more time and labor intensive process of requesting full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.

RJM Collections Letter

This letter is to inform you that the validity of this debt is disputed.   I am sure I have already paid this, but I cannot find the record of payment, as I disposed of my old records from this time period. Furthermore, I have found out that the statute of limitations is expiring for this debt, and it will not even appear on my credit report at all in a few months.

However, in the spirit of compromise, I am WILLING TO PAY THIS ACCOUNT FOR THE AMOUNT OF $100.00 IF YOU AGREE TO THE IMMEDIATE DELETION OF THIS ACCOUNT FROM ANY AND ALL CREDIT REPORTING AGENCIES (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files immediately. It is not to be construed as an acknowledgment of liability for this debt in any form. 

If you agree to the terms and accept this agreement, certified funds for the settlement amount of one hundred ($100.00) will be sent to RJM Acquisitions, LLC in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.

RJM Acquisitions, LLC agrees to delete ALL information... (standard copy - two paragraphs - from tuscani's example PFD letter) 

Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will simply wait for this item to be removed from my credit report in the next few months through the normal credit aging process.

[Anonymous]

I wish I had found these forums 2 years ago! In the last 1 to 1.5 years, I have paid off all outstanding collection accounts. I was not aware of the PFD idea, and thus, simply sent them a check. My guess is that I am out of luck since they already have the cash, but is there any use in contacting them and asking them to delete? Are there any other options to get these removed? Most will be aged out normally within 2-3 years, but I'd obviously like them off sooner. Thanks.

[Anonymous]

from everything i've read, it sounds like a GW letter is your best option here. not sure, i think one of the mods may be more knowledgeable...

[Anonymous]

Hi, first post, great thread...

I have an issue with a BOFA charge off for $155 on an auto loan I had closed out on them.  On my CR it lists a BOFA charge off, however bofa says the account went to allied interstate. I tried to settle with bofa but they declined saying I have to deal with allied.

Is it possible to get CO off my account? Who should I contact?

Thanks.

[Anonymous]

I have a medical account that was sent to a collection agency.   Should I send a PFD letter to the collection agency or to the actual doctor's office that the debt is actually with?

The DOFD was 02-2003.

Message Edited by twt11 on 01-14-2008 08:56 AM

[haulingthescoreup]

With medical collections, always try the provider (doctor, hospital, etc) first. They seem to maintain ownership of the debt longer than others do. Be sure to do a PFD (pay for delete.) If you go to them, and they accept payment, be sure to get something in writing that says that they will no longer report the debt, AND that they will pull back the debt from the collection agency, so that they can't report either. Good luck!